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Observatory Bonus Plus 10
!
About Product
Type
Fixed Index
Purpose
Accumulation
Premium Bonus
22%
Term
10 Years
Surrender schedule
12.5%
12.5%
11.5%
10%
7.5%
7%
7%
7%
6%
5.5%
Fee withdrawal:
10%
Market Value Adjustment
Yes
Return Of Premium
No
Minimum Contribution
$25,000
Maximum Contribution
$1,500,000
Max Age Qualified
80
Types Of Funds
Non-Qualified, Traditional IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, SIMPLE IRA, 1035 Exchange, Inherited IRA, NQ Stretch, and Roth Conversion (Full)
Launch Date
07/15/2026
The Observatory Bonus Plus annuity is a Fixed Indexed Annuity insurance product that may help accumulate assets for retirement and potentially protect against market losses. The annuity earns interest based upon the changes in available pricing indices that track the performance of specific market indices – collections of securities representing select portions of the overall market – developed by third-party index providers. Premium payments aren’t directly invested in a market index; therefore, the annuity will not experience returns identical to the index’s performance.
Alpha Model Portfolios
Models offer pre-diversified allocations with higher guaranteed rates on certain options.
Alpha Model Portfolios
Models offer pre-diversified allocations with higher guaranteed rates on certain options.
- Alpha 20
- Alpha 40
- Alpha Max
Model Allocations are optional and selected at contract issue. If you elect a Model Allocation, allocation and transfer activity is subject to additional limitations including a one-time ability to move from a Model Allocation to other Allocation Options. For more detailed information regarding allocation requirements, transfer limitations, and other applicable terms and conditions, please refer to the client brochure and related product materials.
Alpha 20 Model Pre-Selected Allocation
Alpha 20 Model Pre-Selected Allocation
- S&P 500 Index 1-year Point-to-Point with Guaranteed Cap - 20%
- Barclays Global Trailblazer Index with Guaranteed Participation Rate - 5%
- US Multi-Asset Risk Managed 5 Index with Guaranteed Participation Rate - 20%
- US Multi-Asset Diversified 5 Index with Guaranteed Participation Rate - 20%
- US Strategic Balanced Asset 8 Index with Guaranteed Participation Rate - 15%
- US Balanced Asset 10 Index with Guaranteed Participation Rate - 5%
- US Daily Risk Managed 12 Index with Guaranteed Participation Rate - 10%
- Fixed Account - 5%
Alpha 40 Model Pre-Selected Allocation
- S&P 500 Index 1-year Point-to-Point with Guaranteed Cap - 40%
- Barclays Global Trailblazer Index with Guaranteed Participation Rate - 5%
- US Multi-Asset Risk Managed 5 Index with Guaranteed Participation Rate - 15%
- US Multi-Asset Diversified 5 Index with Guaranteed Participation Rate - 15%
- US Strategic Balanced Asset 8 Index with Guaranteed Participation Rate - 10%
- US Balanced Asset 10 Index with Guaranteed Participation Rate - 5%
- US Daily Risk Managed 12 Index with Guaranteed Participation Rate - 5%
- Fixed Account - 5%
Alpha Max Model Pre-Selected Allocation
- S&P 500 Index 1-year Point-to-Point with Guaranteed Cap - N/A
- Barclays Global Trailblazer Index with Guaranteed Participation Rate - 5%
- US Multi-Asset Risk Managed 5 Index with Guaranteed Participation Rate - 25%
- US Multi-Asset Diversified 5 Index with Guaranteed Participation Rate - 20%
- US Strategic Balanced Asset 8 Index with Guaranteed Participation Rate - 25%
- US Balanced Asset 10 Index with Guaranteed Participation Rate - 5%
- US Daily Risk Managed 12 Index with Guaranteed Participation Rate - 10%
- Fixed Account - 10%
Available in states:
AL, AK, AZ, AR, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, PR, RI, SC, SD, TX, UT, VT, VA, WA, WV, WI, and WY
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 1-Year US Multi-Asset Risk Managed 5 PTP Guaranteed Participation Rate Alpha 40 (15% Allocation) |
Blend
Annual
|
82%
Participation
|
| 1-Year US Multi-Asset Risk Managed 5 PTP Guaranteed Participation Rate Alpha 20 (20% Allocation) |
Blend
Annual
|
82%
Participation
|
| 1-Year US Multi-Asset Diversified 5 PTP Guaranteed Participation Rate Alpha 20 (20% Allocation) |
Blend
Annual
|
84%
Participation
|
| 1-Year Barclays Global Trailblazer PTP Guaranteed Participation Rate Alpha 20 (5% Allocation) |
Blend
Annual
|
74%
Participation
|
| 1-Year Barclays Global Trailblazer PTP Guaranteed Participation Rate Alpha 40 (5% Allocation) |
Blend
Annual
|
74%
Participation
|
| 1-Year S&P 500 PTP Guaranteed Cap Alpha 40 (40% Allocation) |
Blend
Annual
|
5.75%
Cap
|
| 1-Year S&P 500 PTP Guaranteed Cap Alpha 20 (20% Allocation) |
Blend
Annual
|
9.25%
Cap
|
| 1-Year Barclays Global Trailblazer PTP Guaranteed Participation Rate Alpha Max (5% Allocation) |
Blend
Annual
|
115%
Participation
|
| 1-Year US Multi-Asset Diversified 5 PTP Guaranteed Participation Rate Alpha 40 (15% Allocation) |
Blend
Annual
|
84%
Participation
|
| 1-Year US Multi-Asset Diversified 5 PTP Guaranteed Participation Rate Alpha Max (20% Allocation) |
Blend
Annual
|
132%
Participation
|
| 1-Year US Daily Risk Managed 12 PTP Guaranteed Participation Rate Alpha Max (10% Allocation) |
Blend
Annual
|
56%
Participation
|
| 1-Year US Multi-Asset Risk Managed 5 PTP Guaranteed Participation Rate Alpha Max (25% Allocation) |
Blend
Annual
|
129%
Participation
|
| 1-Year US Daily Risk Managed 12 PTP Guaranteed Participation Rate Alpha 40 (5% Allocation) |
Blend
Annual
|
35%
Participation
|
| 1-Year US Strategic Balanced Asset 8 PTP Guaranteed Participation Rate Alpha 20 (15% Allocation) |
Blend
Annual
|
53%
Participation
|
| 1-Year US Daily Risk Managed 12 PTP Guaranteed Participation Rate Alpha 20 (10% Allocation) |
Blend
Annual
|
35%
Participation
|
| 1-Year US Strategic Balanced Asset 8 PTP Guaranteed Participation Rate Alpha 40 (10% Allocation) |
Blend
Annual
|
53%
Participation
|
| 1-Year US Strategic Balanced Asset 8 PTP Guaranteed Participation Rate Alpha Max (25% Allocation) |
Blend
Annual
|
83%
Participation
|
| 1-Year US Balanced Asset 10 PTP Guaranteed Participation Rate Alpha 20 (5% Allocation) |
Blend
Annual
|
43%
Participation
|
| 1-Year US Balanced Asset 10 PTP Guaranteed Participation Rate Alpha Max (5% Allocation) |
Blend
Annual
|
67%
Participation
|
| 1-Year US Balanced Asset 10 PTP Guaranteed Participation Rate Alpha 40 (5% Allocation) |
Blend
Annual
|
43%
Participation
|
| 1-Year Fixed Account |
Fixed
|
2.55%
Fixed
|
| 1-Year US Strategic Balanced Asset 8 PTP Guaranteed Participation Rate |
Point to Point
Annual
|
53%
Participation
|
| 1-Year US Daily Risk Managed 12 PTP Guaranteed Participation Rate |
Point to Point
Annual
|
35%
Participation
|
| 1-Year US Multi-Asset Risk Managed 5 PTP Guaranteed Participation Rate |
Point to Point
Annual
|
82%
Participation
|
| 1-Year Barclays Global Trailblazer PTP Guaranteed Participation Rate |
Point to Point
Annual
|
74%
Participation
|
| 1-Year US Balanced Asset 10 PTP Guaranteed Participation Rate |
Point to Point
Annual
|
43%
Participation
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
5%
Cap
|
| 1-Year S&P 500 PTP Guaranteed Cap |
Point to Point
Annual
|
4%
Cap
|
| 1-Year US Multi-Asset Diversified 5 PTP Guaranteed Participation Rate |
Point to Point
Annual
|
84%
Participation
|
| 1-Year US Balanced Asset 10 Guaranteed Performance Trigger |
Performance Triggered
Annual
|
3.45%
Performance triggered
|
| 1-Year US Daily Risk Managed 12 Guaranteed Performance Trigger |
Performance Triggered
Annual
|
3.4%
Performance triggered
|
| 1-Year US Strategic Balanced Asset 8 PTP Guaranteed Participation Rate Alpha 40 (10% Allocation) |
Blend
Annual
|
64%
Participation
|
| 1-Year S&P 500 PTP Guaranteed Cap Alpha 40 (40% Allocation) |
Blend
Annual
|
6.75%
Cap
|
| 1-Year US Strategic Balanced Asset 8 PTP Guaranteed Participation Rate Alpha 20 (15% Allocation) |
Blend
Annual
|
64%
Participation
|
| 1-Year US Multi-Asset Diversified 5 PTP Guaranteed Participation Rate Alpha 20 (20% Allocation) |
Blend
Annual
|
101%
Participation
|
| 1-Year US Multi-Asset Risk Managed 5 PTP Guaranteed Participation Rate Alpha Max (25% Allocation) |
Blend
Annual
|
146%
Participation
|
| 1-Year US Multi-Asset Risk Managed 5 PTP Guaranteed Participation Rate Alpha 40 (15% Allocation) |
Blend
Annual
|
99%
Participation
|
| 1-Year US Multi-Asset Risk Managed 5 PTP Guaranteed Participation Rate Alpha 20 (20% Allocation) |
Blend
Annual
|
99%
Participation
|
| 1-Year US Multi-Asset Diversified 5 PTP Guaranteed Participation Rate Alpha 40 (15% Allocation) |
Blend
Annual
|
101%
Participation
|
| 1-Year US Multi-Asset Diversified 5 PTP Guaranteed Participation Rate Alpha Max (20% Allocation) |
Blend
Annual
|
150%
Participation
|
| 1-Year Barclays Global Trailblazer PTP Guaranteed Participation Rate Alpha 20 (5% Allocation) |
Blend
Annual
|
89%
Participation
|
| 1-Year US Strategic Balanced Asset 8 PTP Guaranteed Participation Rate Alpha Max (25% Allocation) |
Blend
Annual
|
94%
Participation
|
| 1-Year US Balanced Asset 10 PTP Guaranteed Participation Rate Alpha 20 (5% Allocation) |
Blend
Annual
|
52%
Participation
|
| 1-Year US Balanced Asset 10 PTP Guaranteed Participation Rate Alpha 40 (5% Allocation) |
Blend
Annual
|
52%
Participation
|
| 1-Year US Balanced Asset 10 PTP Guaranteed Participation Rate Alpha Max (5% Allocation) |
Blend
Annual
|
76%
Participation
|
| 1-Year Barclays Global Trailblazer PTP Guaranteed Participation Rate Alpha 40 (5% Allocation) |
Blend
Annual
|
89%
Participation
|
| 1-Year US Daily Risk Managed 12 PTP Guaranteed Participation Rate Alpha Max (10% Allocation) |
Blend
Annual
|
63%
Participation
|
| 1-Year Barclays Global Trailblazer PTP Guaranteed Participation Rate Alpha Max (5% Allocation) |
Blend
Annual
|
130%
Participation
|
| 1-Year US Daily Risk Managed 12 PTP Guaranteed Participation Rate Alpha 20 (10% Allocation) |
Blend
Annual
|
43%
Participation
|
| 1-Year S&P 500 PTP Guaranteed Cap Alpha 20 (20% Allocation) |
Blend
Annual
|
10.25%
Cap
|
| 1-Year US Daily Risk Managed 12 PTP Guaranteed Participation Rate Alpha 40 (5% Allocation) |
Blend
Annual
|
43%
Participation
|
| 1-Year Fixed Account |
Fixed
|
2.95%
Fixed
|
| 1-Year S&P 500 PTP Guaranteed Cap |
Point to Point
Annual
|
5%
Cap
|
| 1-Year US Balanced Asset 10 PTP Guaranteed Participation Rate |
Point to Point
Annual
|
52%
Participation
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
6%
Cap
|
| 1-Year US Daily Risk Managed 12 PTP Guaranteed Participation Rate |
Point to Point
Annual
|
43%
Participation
|
| 1-Year US Multi-Asset Diversified 5 PTP Guaranteed Participation Rate |
Point to Point
Annual
|
101%
Participation
|
| 1-Year US Strategic Balanced Asset 8 PTP Guaranteed Participation Rate |
Point to Point
Annual
|
64%
Participation
|
| 1-Year US Multi-Asset Risk Managed 5 PTP Guaranteed Participation Rate |
Point to Point
Annual
|
99%
Participation
|
| 1-Year Barclays Global Trailblazer PTP Guaranteed Participation Rate |
Point to Point
Annual
|
89%
Participation
|
| 1-Year US Daily Risk Managed 12 Guaranteed Performance Trigger |
Performance Triggered
Annual
|
4.1%
Performance triggered
|
| 1-Year US Balanced Asset 10 Guaranteed Performance Trigger |
Performance Triggered
Annual
|
4.2%
Performance triggered
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| Penalty | 13% | 13% | 12% | 10% | 8% | 7% | 7% | 7% | 6% | 6% |
Riders
| Name | Inbuilt | Fee |
|---|---|---|
| Annual Rider fee | Yes | 0.95% annually |
Waivers
Nursing Home
Provides access to Contract Value without surrender charge or Market Value Adjustment (MVA) if owner requires hospital or nursing home confinement for at least 30 consecutive days. Any withdrawals during the Surrender Charge Period in excess of the free withdrawal, or that would have had surrender charges and MVA that are waived under the nursing home waiver, will reduce the amount of the Premium Bonus, if elected, and any interest earned on it that hasn’t vested yet by the same percentage that the withdrawal reduced the Contract Value (Pro rata). The nursing home waiver may be available in year 1 as long as the annuitant has been confined to a qualified Hospital or Nursing Facility for at least 30 consecutive days, the confinement began after the contract date, the annuitant was not older than 80 on the contract date, and proof of confinement is received while the annuitant is confined or within 90 days following discharge from the facility.
RMD
Observatory Bonus Plus is designed to be RMD friendly. Beginning in the second calendar year after your contract is issued, and once you reach your required beginning age, the amount the IRS requires you to withdraw from this contract each year is available without a surrender charge — even if it exceeds your free withdrawal amount.
Premium Notes
Purchase payment
- Minimum purchase payment: $25,000
- Maximum total purchase payments up to $1.5 million across all Observatory contracts for the same Owner or Annuitant without prior company approval.
Withdrawal Provisions
Withdrawal amount free of surrender charges or MVAYou can withdraw up to 10% of the Contract Value in years 2-10 Only the vested portion of the Premium Bonus, and any interest earned on that portion, is included in the Contract Value and in calculating the Free Withdrawal amount. There are important considerations for taking withdrawals, including free withdrawals. Withdrawals may incur potential taxes, surrender charges, and market value adjustments, so please read the disclosures carefully. Observatory Bonus Plus is designed to be RMD friendly. Beginning in the second calendar year after your contract is issued, and once you reach your required beginning age, the amount the IRS requires you to withdraw from this contract each year is available without a surrender charge — even if it exceeds your free withdrawal amount. Market Value Adjustment (MVA)Adjustment applied if you withdraw more than the contract allows in a single year. Could affect contract’s value or withdrawal amount positively or negatively based on market conditions. Cannot reduce contract’s value to less than the Guaranteed Minimum Surrender Value.
Company Founded: 1909
Excellent Rated
Company
Company Ratings
5
- A.M. Best A
- Fitch A
- Moody's Baa1
- Comdex 74
Assets: $10,767,903,466
Ohio
